First Financial Bank Mortgage Rates, Fees & Info

Cincinnati, OH

LEI: MV4O55SH8HO6KQSGW013

Tax ID: 31-0308605

5 stars - Updated: 9/18/23 - out of 5 stars, based on 81 reviews

Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Relative Rates
  • Relative Fees
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    First Financial Bank is a small bank specializing in Home Purchase loans. First Financial Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Cincinnati, Columbus, Indianapolis, Louisville, and Dayton among others. We have data for 121 markets. (Some data included below & more in-depth data is available with an active subscription.)

    First Financial Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. First Financial Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 7.24% 9/18/23
    30 Year Conventional Purchase 5.51% 9/18/23
    30 Year Conventional Refi 6.64% 9/18/23
    30 Year Cash-out Refi 6.87% 9/18/23
    30 Year FHA Purchase 7.57% 9/18/23
    30 Year FHA Refi 7.36% 9/18/23
    30 Year VA Purchase 6.62% 9/18/23
    30 Year VA Refi 6.27% 9/18/23
    30 Year USDA Purchase 6.90% 9/18/23
    15 Year Conventional Purchase 6.27% 9/18/23
    15 Year Conventional Refi 6.28% 9/18/23
    15 Year Cash-out Refi 6.28% 9/18/23
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    First Financial Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from First Financial Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    6,596

    Origination Dollar Volume (All Markets)

    $1,484,500,000
    Show all (10) awards

    Relative Rate

    First Financial Bank's average 30 year fixed mortgage rate was 4.23%.

    The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

    This yields a difference of -0.53%.

    Relative Fees (Closing Costs)

    First Financial Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $3,478.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1,671 $388,145,000 $232,283 $3,155 3.84%
    COLUMBUS, OH (FHA|USDA|VA) 886 $345,290,000 $389,718 $4,336 4.02%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 697 $134,925,000 $193,580 $2,650 3.81%
    LOUISVILLE, KY (FHA|USDA|VA) 735 $105,745,000 $143,871 $2,595 3.31%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 302 $64,570,000 $213,808 $3,783 3.85%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 368 $54,180,000 $147,228 $2,663 4.10%
    Outside of Metro Areas 451 $53,585,000 $118,814 $2,375 4.07%
    COLUMBUS, IN (FHA|USDA|VA) 254 $49,870,000 $196,339 $2,730 4.11%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $32,255,000 $32,255,000 $0 7.22%
    FORT WAYNE, IN (FHA|USDA|VA) 5 $22,035,000 $4,407,000 $4,178 5.23%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $18,405,000 $18,405,000 $0 4.81%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 18 $16,860,000 $936,667 $4,283 4.67%
    Richmond, IN (FHA|USDA|VA) 170 $15,280,000 $89,882 $2,273 4.24%
    Madison, IN (FHA|USDA|VA) 136 $13,120,000 $96,471 $2,524 4.21%
    BLOOMINGTON, IN (FHA|USDA|VA) 48 $12,120,000 $252,500 $3,404 3.86%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 5 $11,875,000 $2,375,000 $5,115 4.06%
    Greensburg, IN (FHA|USDA|VA) 90 $11,130,000 $123,667 $2,021 3.61%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 6 $8,420,000 $1,403,333 $11,311 4.33%
    Connersville, IN (FHA|USDA|VA) 101 $8,195,000 $81,139 $2,259 4.10%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 10 $7,990,000 $799,000 $4,057 4.16%
    Celina, OH (FHA|USDA|VA) 39 $6,985,000 $179,103 $3,844 4.45%
    North Vernon, IN (FHA|USDA|VA) 60 $6,230,000 $103,833 $2,219 3.94%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 55 $5,935,000 $107,909 $1,471 3.88%
    Seymour, IN (FHA|USDA|VA) 46 $5,420,000 $117,826 $1,780 4.18%
    GAINESVILLE, FL (FHA|USDA|VA) 1 $5,205,000 $5,205,000 $0 2.16%
    New Castle, IN (FHA|USDA|VA) 36 $4,370,000 $121,389 $2,529 4.40%
    Frankfort, KY (FHA|USDA|VA) 36 $4,030,000 $111,944 $3,487 3.78%
    Crawfordsville, IN (FHA|USDA|VA) 38 $3,870,000 $101,842 $1,943 3.31%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 5 $3,725,000 $745,000 $7,096 4.48%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 5 $2,925,000 $585,000 $7,967 5.75%
    NILES, MI (FHA|USDA|VA) 2 $2,640,000 $1,320,000 $9,591 4.44%
    KANKAKEE, IL (FHA|USDA|VA) 22 $2,560,000 $116,364 $2,385 4.26%
    Van Wert, OH (FHA|USDA|VA) 27 $2,365,000 $87,593 $2,774 4.14%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 6 $2,220,000 $370,000 $5,186 5.79%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 4 $2,160,000 $540,000 $7,835 4.63%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 10 $2,160,000 $216,000 $4,167 4.32%
    TOLEDO, OH (FHA|USDA|VA) 8 $1,950,000 $243,750 $4,224 4.53%
    Mount Vernon, OH (FHA|USDA|VA) 6 $1,920,000 $320,000 $3,468 4.33%
    MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 3 $1,865,000 $621,667 $2,852 4.71%
    Bellefontaine, OH (FHA|USDA|VA) 5 $1,735,000 $347,000 $2,980 4.11%
    Wilmington, OH (FHA|USDA|VA) 8 $1,630,000 $203,750 $4,907 3.67%
    TALLAHASSEE, FL (FHA|USDA|VA) 2 $1,510,000 $755,000 $0 2.72%
    LIMA, OH (FHA|USDA|VA) 7 $1,425,000 $203,571 $2,749 3.86%
    Warsaw, IN (FHA|USDA|VA) 6 $1,400,000 $233,333 $2,827 4.27%
    SPRINGFIELD, OH (FHA|USDA|VA) 15 $1,375,000 $91,667 $2,942 4.16%
    Wapakoneta, OH (FHA|USDA|VA) 10 $1,320,000 $132,000 $2,867 3.83%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 2 $1,290,000 $645,000 $7,182 4.94%
    Peru, IN (FHA|USDA|VA) 1 $1,205,000 $1,205,000 $0 5.69%
    BOWLING GREEN, KY (FHA|USDA|VA) 5 $1,095,000 $219,000 $4,176 3.23%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1 $995,000 $995,000 $0 3.95%
    Greenville, OH (FHA|USDA|VA) 9 $995,000 $110,556 $3,323 5.50%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $995,000 $995,000 $5,489 5.38%
    MUNCIE, IN (FHA|USDA|VA) 11 $965,000 $87,727 $1,860 6.23%
    Richmond-Berea, KY (FHA|USDA|VA) 6 $950,000 $158,333 $4,337 3.67%
    Sandusky, OH (FHA|USDA|VA) 4 $950,000 $237,500 $3,966 3.06%
    Scottsburg, IN (FHA|USDA|VA) 8 $940,000 $117,500 $2,096 5.21%
    AKRON, OH (FHA|USDA|VA) 9 $915,000 $101,667 $4,587 4.66%
    PITTSBURGH, PA (FHA|USDA|VA) 1 $915,000 $915,000 $32,263 6.75%
    Wabash, IN (FHA|USDA|VA) 14 $840,000 $60,000 $1,308 4.27%
    TERRE HAUTE, IN (FHA|USDA|VA) 10 $770,000 $77,000 $657 4.01%
    SAVANNAH, GA (FHA|USDA|VA) 2 $720,000 $360,000 $4,668 5.44%
    HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 2 $720,000 $360,000 $4,094 4.94%
    Washington Court House, OH (FHA|USDA|VA) 3 $715,000 $238,333 $4,687 3.16%
    PUNTA GORDA, FL (FHA|USDA|VA) 2 $680,000 $340,000 $5,314 5.44%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 5 $625,000 $125,000 $3,042 3.75%
    DANVILLE, IL (FHA|USDA|VA) 8 $590,000 $73,750 $1,419 4.12%
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $585,000 $585,000 $6,237 6.13%
    COLUMBIA, SC (FHA|USDA|VA) 1 $575,000 $575,000 $4,223 5.25%
    New Philadelphia-Dover, OH (FHA|USDA|VA) 1 $505,000 $505,000 $5,017 3.50%
    Urbana, OH (FHA|USDA|VA) 2 $490,000 $245,000 $4,231 4.18%
    MANSFIELD, OH (FHA|USDA|VA) 2 $450,000 $225,000 $4,019 4.63%
    Sevierville, TN (FHA|USDA|VA) 1 $435,000 $435,000 $4,920 3.38%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $425,000 $425,000 $4,516 3.88%
    Salem, OH (FHA|USDA|VA) 1 $405,000 $405,000 $3,010 5.00%
    Plymouth, IN (FHA|USDA|VA) 2 $400,000 $200,000 $2,452 4.75%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $385,000 $385,000 $5,363 5.50%
    Marion, NC (FHA|USDA|VA) 1 $375,000 $375,000 $4,023 2.63%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $375,000 $375,000 $4,969 4.63%
    Point Pleasant, WV-OH (FHA|USDA|VA) 1 $365,000 $365,000 $4,072 5.25%
    LYNCHBURG, VA (FHA|USDA|VA) 1 $355,000 $355,000 $5,059 5.88%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $355,000 $355,000 $2,967 3.88%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $355,000 $355,000 $4,508 5.38%
    Norwalk, OH (FHA|USDA|VA) 1 $345,000 $345,000 $3,725 6.50%
    ANCHORAGE, AK (FHA|USDA|VA) 1 $335,000 $335,000 $15,935 4.63%
    Bluffton, IN (FHA|USDA|VA) 5 $315,000 $63,000 $552 3.63%
    WILMINGTON, NC (FHA|USDA|VA) 1 $315,000 $315,000 $3,869 4.00%
    Glasgow, KY (FHA|USDA|VA) 2 $280,000 $140,000 $3,947 3.68%
    RICHMOND, VA (FHA|USDA|VA) 1 $275,000 $275,000 $4,350 7.00%
    KOKOMO, IN (FHA|USDA|VA) 2 $270,000 $135,000 $2,768 4.31%
    CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $265,000 $265,000 $2,853 5.50%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 1 $265,000 $265,000 $0 7.40%
    Sidney, OH (FHA|USDA|VA) 3 $255,000 $85,000 $2,895 3.08%
    PEORIA, IL (FHA|USDA|VA) 1 $245,000 $245,000 $2,734 4.13%
    ASHEVILLE, NC (FHA|USDA|VA) 1 $245,000 $245,000 $0 1.99%
    KNOXVILLE, TN (FHA|USDA|VA) 1 $245,000 $245,000 $3,408 5.50%
    Zanesville, OH (FHA|USDA|VA) 3 $245,000 $81,667 $2,755 4.21%
    Athens, OH (FHA|USDA|VA) 1 $235,000 $235,000 $3,744 4.50%
    Defiance, OH (FHA|USDA|VA) 4 $230,000 $57,500 $627 3.61%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $205,000 $205,000 $0 1.99%
    Logansport, IN (FHA|USDA|VA) 2 $180,000 $90,000 $0 4.36%
    Decatur, IN (FHA|USDA|VA) 2 $180,000 $90,000 $0 4.42%
    Kendallville, IN (FHA|USDA|VA) 1 $165,000 $165,000 $0 1.99%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $145,000 $145,000 $3,074 4.25%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $145,000 $145,000 $5,051 4.25%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1 $145,000 $145,000 $0 4.50%
    Frankfort, IN (FHA|USDA|VA) 2 $140,000 $70,000 $0 2.49%
    Vincennes, IN (FHA|USDA|VA) 2 $130,000 $65,000 $4,352 4.06%
    WINSTON-SALEM, NC (FHA|USDA|VA) 1 $125,000 $125,000 $3,764 6.00%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $125,000 $125,000 $0 1.99%
    Traverse City, MI (FHA|USDA|VA) 1 $105,000 $105,000 $0 1.99%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $105,000 $105,000 $3,253 5.63%
    Angola, IN (FHA|USDA|VA) 1 $105,000 $105,000 $0 8.75%
    Tiffin, OH (FHA|USDA|VA) 1 $95,000 $95,000 $3,751 6.00%
    Fremont, OH (FHA|USDA|VA) 1 $85,000 $85,000 $0 6.40%
    Huntington, IN (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.60%
    OWENSBORO, KY (FHA|USDA|VA) 1 $55,000 $55,000 $0 1.99%
    Orangeburg, SC (FHA|USDA|VA) 1 $55,000 $55,000 $0 2.99%
    Ashland, OH (FHA|USDA|VA) 1 $55,000 $55,000 $3,270 6.50%
    Danville, KY (FHA|USDA|VA) 1 $35,000 $35,000 $0 1.99%
    ELKHART-GOSHEN, IN (FHA|USDA|VA) 1 $35,000 $35,000 $0 1.99%
    Chillicothe, OH (FHA|USDA|VA) 1 $35,000 $35,000 $0 2.99%
    First Financial Bank's top markets include Cincinnati, Columbus, Indianapolis, Louisville, and Dayton among others.

    Their top states include:
  • Ohio (FHA|USDA|VA)
  • Indiana (FHA|USDA|VA)
  • Kentucky (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against First Financial Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    First Savings Bank of Hegewisch
    Similarity Rank: 30
    The Citizens National Bank of Bluffton
    Similarity Rank: 145
    Liberty Bank for Savings
    Similarity Rank: 153
    Mutual Savings Bank
    Similarity Rank: 176
    Security Federal Savings Bank
    Similarity Rank: 221
    CINFED Federal Credit Union
    Similarity Rank: 288
    First Bank of Berne
    Similarity Rank: 308
    Iroquois Federal Savings and Loan Association
    Similarity Rank: 378
    The Riddell National Bank
    Similarity Rank: 378
    Eagle Savings Bank
    Similarity Rank: 384

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 3,387 $1,089,315,000 $321,616 $2,954 4.32%
    HELOC 3,060 $365,750,000 $119,526 n/a 3.38%
    FHA 99 $18,415,000 $186,010 $7,142 5.16%
    VA 25 $7,105,000 $284,200 $8,806 5.12%
    USDA 25 $3,915,000 $156,600 $4,605 4.65%

    For 2022, First Financial Bank's most frequently originated type of loan was Conventional, with 3,387 originations. Their 2nd most popular type was HELOC, with 3,060 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,469 $831,515,000 $336,782 $3,250 4.15%
    Other 1,883 $185,775,000 $98,659 $0 3.63%
    Cash Out Refi 1,870 $287,470,000 $153,727 $2,133 3.79%
    Refi 280 $95,740,000 $341,929 $4,061 3.89%
    Home Improvement 94 $84,000,000 $893,617 $7,357 4.63%

    For 2022, First Financial Bank's most frequently cited loan purpose was Home Purchase, with 2,469 originations. The 2nd most popular reason was Other, with 1,883 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 3,180 $515,740,000 $162,182 $497 3.46%
    30 Year 2,830 $696,230,000 $246,018 $3,478 4.23%
    15 Year 303 $38,805,000 $128,069 $2,003 4.47%
    10 Year 138 $54,770,000 $396,884 $743 4.71%
    20 Year 73 $8,995,000 $123,219 $2,095 4.76%
    5 Year 46 $128,510,000 $2,793,696 $0 5.04%
    30+ year 17 $10,405,000 $612,059 $6,568 6.26%
    3 Year 6 $30,080,000 $5,013,333 $0 4.76%
    1 Year 3 $965,000 $321,667 $0 5.33%

    For 2022, First Financial Bank's most frequently cited loan duration was Other, with 3,180 originations. The 2nd most popular length was 30 Year, with 2,830 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 1,649 $449,815,000 $272,780
    $<1k 1,238 $98,100,000 $79,241
    $2k-3k 292 $93,620,000 $320,616
    $3k-4k 164 $86,170,000 $525,427
    $5k+ 70 $30,180,000 $431,143
    $4k-5k 59 $17,475,000 $296,186

    First Financial Bank's average total fees were $3,478, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,649 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    <2.5% 2,053 $207,175,000 $100,913
    5-6% 1,018 $240,430,000 $236,179
    4-5% 901 $280,445,000 $311,260
    3-4% 897 $273,345,000 $304,732
    2.5-3% 665 $221,585,000 $333,211
    6-7% 586 $162,490,000 $277,287
    7-8% 320 $85,580,000 $267,438
    Over 8% 155 $12,445,000 $80,290
    % 1 $1,005,000 $1,005,000

    During 2022, First Financial Bank's average interest rate for loans was 4.23%, while their most frequently originated rate bucket for loans was <2.5%, with 2,053 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 2,803 $133,915,000 $47,776 $942 3.39%
    $100k-200k 2,010 $283,370,000 $140,980 $3,277 4.20%
    $200k-400k 1,172 $321,020,000 $273,908 $4,299 4.38%
    $400k-600k 305 $145,605,000 $477,393 $4,834 4.35%
    $600k-1MM 206 $154,040,000 $747,767 $6,149 4.30%
    $1MM+ 100 $446,550,000 $4,465,500 $9,479 4.17%

    2022 saw First Financial Bank place emphasis on $100,000 or less loans with 2,803 originations, totaling $133,915,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 1,395 $153,775,000 $110,233 $2,545 3.91%
    $50k or less 1,339 $103,805,000 $77,524 $2,045 3.58%
    $100k-150k 1,202 $196,440,000 $163,428 $3,576 4.08%
    $150k-250k 986 $236,960,000 $240,325 $4,528 3.81%
    $75k-100k 919 $119,195,000 $129,701 $3,230 4.14%
    $250k+ 676 $321,250,000 $475,222 $5,842 3.90%

    First Financial Bank lent most frequently to those with incomes in the $50k-75k range, with 1,395 originations. The second most popular income band? $50k or less, with 1,339 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,479 $241,615,000 $163,364 $2,886 3.94%
    30-36% 1,235 $223,315,000 $180,822 $3,205 3.98%
    <20% 674 $113,310,000 $168,116 $2,957 3.77%
    39% 344 $49,290,000 $143,285 $2,807 3.71%
    42% 313 $68,535,000 $218,962 $3,303 4.12%
    43% 288 $38,020,000 $132,014 $2,676 3.61%
    38% 279 $49,955,000 $179,050 $3,074 3.93%
    41% 254 $55,840,000 $219,843 $3,210 3.86%
    40% 252 $46,380,000 $184,048 $3,210 3.86%
    37% 247 $39,685,000 $160,668 $2,982 3.63%
    36% 234 $41,390,000 $176,880 $3,196 4.01%
    47% 208 $34,330,000 $165,048 $3,713 3.74%
    44% 199 $35,105,000 $176,407 $3,385 3.86%
    45% 147 $26,725,000 $181,803 $3,397 4.11%
    46% 127 $25,835,000 $203,425 $3,507 3.77%
    49% 86 $16,840,000 $195,814 $4,192 4.62%
    48% 75 $14,285,000 $190,467 $4,128 3.70%
    50-60% 72 $10,700,000 $148,611 $3,696 3.61%
    >60% 2 $120,000 $60,000 $0 3.94%

    First Financial Bank lent most frequently to those with DTI ratios of 20-30%, with 1,479 originations. The next most common DTI ratio? 30-36%, with 1,235 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 5,513 $926,165,000 $167,997 $3,054 3.90%
    Not applicable 74 $352,040,000 $4,757,297 $0 4.54%
    Not provided 489 $98,565,000 $201,564 $3,242 3.60%
    Black 328 $51,680,000 $157,561 $3,503 4.08%
    Asian 133 $40,935,000 $307,782 $3,958 4.02%
    Asian Indian 17 $6,825,000 $401,471 $5,398 4.01%
    American Indian 28 $5,160,000 $184,286 $3,439 4.37%
    Other Asian 7 $1,905,000 $272,143 $4,026 3.48%
    Native Hawaiian or Islander 4 $540,000 $135,000 $3,034 2.74%
    Chinese 1 $335,000 $335,000 $0 6.15%
    Other Pacific Islander 1 $225,000 $225,000 $0 6.90%
    Korean 1 $125,000 $125,000 $0 1.99%

    Approval Rates

    Total approvals of all applications
    73.41%

    First Financial Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    88.10%

    First Financial Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 6,596 $1,484,500,000 $225,061

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    6,596 $1,484,500,000 $225,061

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1,416 $164,030,000 $115,840 $1,565 3.55%
    40-60% 704 $200,960,000 $285,455 $2,770 3.80%
    60-80% 1,083 $534,985,000 $493,984 $4,071 4.39%
    80-100% 1,717 $507,285,000 $295,448 $4,153 4.96%
    Over 100% 12 $2,710,000 $225,833 $7,325 4.13%
    Under 20% 1,658 $73,850,000 $44,542 $48 2.81%

    Complaints

    Bank Name Product Issue 2022 CPFB Complaints % of Total Issues
    FIRST CITIZENS BANCSHARES, INC. Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 1 100.0%